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Vanquis - best time to pay?
My Vanquis card payments are due by the 2nd of each month. However my statement is made on the 8th. I've been using about 70% of my limit for groceries and paying in full before the 2nd. But now I understand that on my credit file this may look like I'm not using the card at all because my balance will be zero on the…
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Has anyone tried to money transfer card to save on existing debt
Hi After reading this article - http://www.moneysavingexpert.com/loans/cut-loan-overdraft-costs I decided to see whether this money transfer could save me some money on my loans and interest. So I applied for the fluid card (which offers transfers at a 4.4% fee, and 0% for 29 months) I was not eligible for the card with…
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Work expenses / Credit card
Hi Everyone. I rack up between £200-£1000 worth of company expenses every month. I have been asked if I'd like to use a company credit card as I am currently just paying out of my current account (which can be fairly damaging!) I have never had a credit card before, but some other guys at work use their own personal credit…
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Pay off interest free credit
Hi I have spent on my card, its interest free until October next year, I am currently saving a fair bit at the moment for early retirement hopefully, should I pay it of early or keep saving until its time to pay off the card a month before it changes thanks
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Looking for advice...
Hi all, Hope this is the right place. I recently found out a credit card had been taken out in my name that defaulted 5 years ago. Of which i had no idea! I sent one of the 'prove it' letters from this forum and they sent me the statement from 5 years ago- which basically shows it got taken out, all the cash withdrawn and…
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Lloyds credit card
Hi, I have had my Lloyds Bank classic credit card since last March and do keep it in excellent shape. If you have a Lloyds credit card, how often or not do they raise credit limits, as I have had one offered last spring? Just curious. :)
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Credit balance transfers non-resident
I currently have Portuguese residency & have no UK residency/ addresss. I have a UK bank account & two UK credit cards. I am seeking any information on any credit card that will accept a 0% balance transfer where UK residency is not a requirement.
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Tesco credit card interest fees
I have tesco CC which I originally took out for a balance transfer and was paying off in monthly chunks. I used another CC as a debit card, which I was paying off in full each month. I then decided the tesco card offered better purchase benefits and reading the repayment info on the back of my bill I understood it that…
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credit card cover
Hi can anyone ad advice me I bought a DFS leather sofas 8 months ago and already dye is coming coming off and there is a little tear. Ive hardly used it and keep my kids away from the sofas. I am so surprised by the poor quality ofthe leather. When I phoned the store the lady was horrible. I didn't pay any deposit by…
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Section 75
So on the TV this morning they were talking about section 75 They said twice that you don't have to have a dispute with the retailer if you have a problem, you can go straight to the card company ???? Whats that all about then, I thought you had to go to the retailer first and then if you got nowhere with them, then you go…
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What might have happened?
Hi here...I have raised a chargeback and the merchant simultaneously refunded the money. Say i were raised charge backed at the time of receipt of refund. Now it's almost 120 days about to get passed since i raise charge back.still i neither i don't get refund nor success charge back.The outcome is pending..( my card have…
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Virgin Credit Card - Help Please! A bit long winded!
Hi I've had a Virgin Credit card for over a year. I've had a Standing Order setup to pay £30 per month on the 1st of every month, this is more than my minimum payment and has worked fine for over a year. I do not use this card, it's just a reducing balance that I transferred when it was a 0% BT deal. Having just looked at…
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Vanquis gold credit card
It says limits can change etc on there website. Does anyone have a gold vanquis credit card? Is the limit the same/set at £3,000? (As that is what it states on the Vanquis website, that the maximum limit is £3,000?) Looking to shop around and see which cards are competitve etc. Thanks.
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lloyds credit card product transfer
opened up a lloyds account for the 4% on 5k account is now 7 months old, applied for the 33 month 0% card, was accepted in seconds with no external credit check for the 33 months at 18.9% just noticed the low rate card and id rather have this! does anyone know if they will transfer the account to the low rate one? I tried…
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Barclaycards
Just a bit of curiosity on my part really. Bcard sent me some stuff promoting some of their other cards and inviting me to apply. Some of the latest offers on them, I would not mind taking advantage of. However I was under the impression that you could only hold 1 of their Platinum range and 1 Freedom Rewards card, both of…
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Anyone else not billed by American Express Travel?
Hello Amex had a £50 credit offer if you spent £150. As I'm off to New York I thought I'd book a few things to do and spent £300 over both of my Amex cards. They showed as pending but that was three weeks ago. They are no longer pending but I have received my tickets by email and when I log in to Amex travel, the bookings…
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Dubai Offshore company and AMEX Platinim from Dubai
Dear all, I am planning setting up an offshore company in Dubai along with a AMEX Platinum card... Anyone that can recommend a bank? Best
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Is it ok to pay credit card bill before payment date
My next payment date is 28th dec sunday, nationwide card. Would paying it online in full with my current account today or tomorrow be ok.
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Do I need a credit rating to get a mortgage?
Hello, I'm not yet at the stage of looking for a mortgage, but I am looking ahead and trying to make sure I prepare myself. I've never had a credit card in my life, though my partner has one and uses it occasionally. I'm worried that as I essentially have no credit rating, I won't be successful in getting a mortgage. Are…
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Virgin Cc and Money transfers
Hi completely confused and need some help in understanding what is and how they calculate their interest charges. I have a Virgin Cc that I regularly use and pay off every month so I do not accrue interest. Recently they had a promotion on of 0% interest on money transfers so I used this opportunity to have a £2k…
